State credit union · Grand Rapids, Michigan · NCUA charter #62217
AAC
Health score 95/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 95
- Health / 100
- $205.5M
- Total assets
- 14,960
- Members
- 23.9%
- Net-worth ratio
AAC scores 95/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $205.5M; members 14,960; net-worth ratio 23.92%; health rank #307 of 4,374; healthier than 90th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#307 of 4,374 health · 2025Q4AAC · health 95/100 · $205.5M · 2025Q4
Call Report peers
AAC in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
AAC vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); AAC sits in 95-99 with 391 others.
95 Top 10% higher than 90% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
Peer-gap read for AAC
- Largest favorable gap: Net Worth Ratio at 23.92% vs peer 12.11% (+11.81 pp).
Where AAC sits in Michigan
- Michigan health ordinal: #6 of 171.
- By total assets, AAC is #79 of 171 in Michigan.
- Member book place in Michigan: #79 of 171.
- One place up in Michigan, Monroe Community (#5) scores 96/100, 1 point higher; one place down, SETTLERS (#7) ties at 95/100.
AAC Call Report trajectory
AAC: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +2.8% from $205.5M (2025Q4) to $211.2M (2026Q1).
- Net-worth ratio shifted -0.30 pp (24.22% → 23.92%).
This credit union's 23.92% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 95/100 score is built
AAC gives up 5 points in total. Member Growth costs the most, 4.1 of its 15; Net Worth Ratio and Return on Assets and Loan-to-Share Ratio score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 24.4 pts
- Return on Assets 15.0 pts
- Member Growth 10.9 pts
- Loan-to-Share Ratio 14.7 pts
AAC vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 23.92% | +11.81 pp |
| Delinquency Rate | 0.56% | -0.34 pp |
| Return on Assets | 1.10% | +0.48 pp |
| Member Growth | 1.62% | - |
| Loan-to-Share Ratio | 78.36% | +6.16 pp |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $211.2M | - |
| 2025Q4 | $205.5M | 14,960 |
| 2024Q4 | $194.9M | 14,721 |
| 2023Q4 | $184.2M | 14,941 |
Credit Union Details
- Charter Number
- 62217
- Type
- State
- Field of Membership
- Other
- Peer Group
- $100M–$500M
- State
- Michigan
- City
- Grand Rapids
- Data Quarter
- 2025Q4
Branch Locations (8)
Per its most recent NCUA branch filing, AAC runs 8 offices in 5 different cities across 2 states.
| Office | City |
|---|---|
| Standale (Main Office) | Grand Rapids, MI |
| Knoll PA | East Greenville, PA |
| Grand Rapids Branch | Grand Rapids, MI |
| Holland Branch | Holland, MI |
| AAC Credit Union Big Dutch Branch | Holland, MI |
| Spring Lake Branch | Spring Lake, MI |
| Zeeland Branch | Zeeland, MI |
| Herman Miller Branch | Zeeland, MI |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Michigan
More federally-insured credit unions based in Michigan, ordered by peer group match and asset size.
Other-state peers near AAC
Similar total assets
Similar health score
Using this data
- AAC ranks #307 of 4,374 nationally on financial health and #6 of 171 in MI -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- U.P. State is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with U.P. State
Frequently Asked Questions
Is AAC financially healthy?
On its 2025Q4 NCUA 5300 filing, AAC scores 95/100 (Excellent), with a 23.92% net worth ratio and 0.56% of loans delinquent. It ranks #307 of 4,374 nationally on health and #6 of 171 in Michigan.
How does AAC compare to other credit unions?
AAC scores 95/100, higher than 90% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is net worth ratio (23.92% vs 12.11%).
How can I join AAC?
Membership eligibility for AAC depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact AAC directly for current membership requirements and application steps.
Is my money safe at AAC?
AAC is a state-chartered credit union; its shares are federally insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. AAC's net worth ratio of 23.92% exceeds the 7% threshold NCUA considers "well capitalized."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.